Plan Ledger DOL Form 5500 · updated monthly

Board of Trustees for the Plumber's Retirement Savings Fund, Local 130Profit-sharing plan

PLUMBERS' RETIREMENT SAVINGS FUND, LOCAL 130, U.A. · CHICAGO, IL · plan year 2025

Reported admin expense ratio · 2025
0.13%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

Board of Trustees for the Plumber's Retirement Savings Fund, Local 130 reported $654,635 in plan administrative expenses for 2025: 0.13% of average plan assets, higher than ~75% of peers. Employer contributions averaged $4,545 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio rose from 0.09% to 0.13%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other construction employers. By assets it is the 147th-largest of 3,702 plans among Illinois employers on file, and the 135th of 5,337 in construction. In 2025, the employer put in $6.59 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$523,169,108
Participants with balances5,334
Active participants5,901
Employer contributions$26,822,279
Employee contributions$4,068,262
Employer contribution per active participant$4,545
Average account balance$98,082
Benefits paid to participants$24,780,348
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$523.2M · 5,334 accts · $26.8M emplr
2024$448.3M · 5,268 accts · $23.7M emplr
2023$398.4M · 5,208 accts · $22.0M emplr
2022$342.2M · 5,180 accts · $20.4M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$196,109
Investment management$25,000
Audit (IQPA)$21,000
Total administrative$654,635
Employer contributions to the Board of Trustees for the Plumber's Retirement Savings Fund, Local 130 plan · 2025
Employer contribution per active participant$4,545
Median for plans this size$4,295
2025$4,545 per active participant
2024$4,014 per active participant
2023$3,755 per active participant
2022$3,512 per active participant

Board of Trustees for the Plumber's Retirement Savings Fund, Local 130's 2025 employer contribution ran above the $4,295 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20259
EMPOWER ANNUITY INSURANCE COMPANY · Recordkeeping$196,109
LEGACY PROFESSIONALS LLP · Accounting / audit · Recordkeeping$52,124
BRIDGEWAY BENEFIT TECHNOLOGIES LLC · Recordkeeping · Consulting$17,016
GREGORIO, STEC, KLEIN & HOSE LLC · Legal$43,719
JOSEPH OHM · Plan administrator$40,836
DENISE DELHAYE$38,965
MARQUETTE ASSOCIATES · Investment advisory (plan)$25,000
LANER MUCHIN LTD. · Legal$17,679
AMALGAMATED BANK OF CHICAGO · Custodial (securities)$2,702

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year3
2025BRIDGEWAY BENEFIT TECHNOLOGIES LLC, Empower, LEGACY PROFESSIONALS LLP
2024BRIDGEWAY BENEFIT TECHNOLOGIES LLC, LEGACY PROFESSIONALS LLP
2023BRIDGEWAY BENEFIT TECHNOLOGIES LLC, LEGACY PROFESSIONALS LLP

This plan has changed recordkeepers within these filings. If you left Board of Trustees for the Plumber's Retirement Savings Fund, Local 130 before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$654,635 · 0.13%
2024$643,376 · 0.15%
2023$559,154 · 0.15%
2022$334,001 · 0.09%
Similar plansConstruction · Illinois
Walsh Construction Company IL$610.9M · 0.15%

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Source: U.S. Department of Labor, Form 5500 series, EIN 860928669 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.